When you come to Harcourts Coorparoo, your dedicated Harcourts real estate consultant will begin by showing you suitable properties, which are on the market right now. You will see photographs and detailed descriptions of all the properties we have listed which meet your requirements.
We often hear "but the agent didn't listen to me!" While this may be true of some agents, your Harcourts consultant is trained to listen – not to talk.
Knowing your requirements early really helps us help you. Sometimes however, your circumstances and priorities can change. Often, we will check with you to ensure we remain on track.
Facts that help us in finding you the right property include:
It is important that we know the absolute most important features you want in a property and will not compromise on. They may include:
- A separate office / study
- Sun aspect
- Garaging or mooring for a boat
- Low maintenance grounds
These requirements are unique to each buyer. Also give some thought to features you most definitely do not want in a property.
A loan calculator enables you to easily determine fortnightly or monthly repayments by entering the amount you wish to borrow, your deposit, preferred interest rate and term of the loan. Please click here to use the Mortgage Express loan repayment calculator.
Have you arranged your finance?
You don’t need to wait until you’ve found a property before you arrange finance. It’s a good idea to find out first just how much you can borrow – that way you know what price bracket to start looking in and what level of repayments you’re comfortable with.
The problem that most people face today, however, is “which home loan is the right one for me?” There are so many options when it comes to banks, products, rates, terms and fees. With the purchase of such a large investment, you need to be confident that you have made the right financial choice.
Mortgage Express is a team of banking and financial specialists who can give you expert advice, at a place and time convenient to you - and at no cost. Their team of consultants represent a range of banks, building societies and non-bank lenders. Their advice is unbiased so can focus on your needs.
Mortgage Express eliminates the need for any bank interviews. Once you have seen them, you immediately have the choice of many lenders and they will often get better terms than the bank will offer you direct. They also can arrange funds for your deposit once your offer is accepted.
The advice is free and there is no obligation. Talk to your consultant and they will put you in touch with a Mortgage Express representative or call 1300 853 1181300 853 118.
Your consultant will show you those properties that best fit your requirements. This will be at times to suit you and the owner of the property. You will be kept informed of all changes relating to the properties you have viewed and you will be advised of new properties as they come on the market. Talk to your consultant about how you want to receive new property information i.e. via email, text or phone call.
Inspections of properties take time. We recommend you do not rush or disregard too quickly. Try not to judge a property from the outside only. Some properties have little or no street appeal, but have much to offer inside. An inspection might confirm your first impression but may pleasantly surprise you.
When the right property presents itself be prepared to make an offer. We will encourage you to do so as many people have found their perfect home and missed it because they didn’t take the opportunity when it was available to them.
Paying the deposit
Once all parties have signed the contract you will be asked to pay a deposit. This usually equates to 10% of the purchase price.
We can refer you to Mortgage Express who can assist you with this.
In Queensland you are responsible for the insurance cover of the property you are buying from the first business day after the contract has been signed.
Your Harcourts Consultant can arrange a 30 day temporary cover to provide you with immediate, temporary insurance cover and “peace of mind”.
This service is complimentary and can save you hours spent researching the many insurance providers on the market today.
Property purchase costs
Financial fees vary greatly, depending on such matters as what percentage of the property value that you will be borrowing, the amount of the loan, the amount of the purchase and which bank you are borrowing funds from. If you speak to your local Mortgage Express representative you can quickly ascertain approximate costs for your particular circumstances.
Possible expenses you may incur are:
- Bank fees which may include:
- Lender application fees, valuation fees, legal and settlement fees
- Lender monthly account keeping fees (if applicable)
- Lender “Professional Package” annual fees (if applicable)
- Lender’s Mortgage Insurance (if applicable)
- Lender retention account fees (if applicable)
- Title transfer, Mortgage registration fees
- Registration of mortgage discharge (refunded by seller at settlement)
- Solicitor’s charges may include legal searches (please consult your solicitor)
- Stamp Duty on Purchase
- Home protection insurance
- Miscellaneous costs (Building / pest inspections, rates, removalists, etc.)